Investing freely and capitalizing one's one serenity  It is the result warranted by the SAI Libera Scelta, the new and innovative insurance solution offered by SAI. The mechanism to obtain this double result is quite simple: the ensured person carries out payments knowing that a portion of them will be destined to the purchase of portions of Investment trust and partly to an insurance coverage to safeguard the family. Within this field, the subscriber of SAI Libera Scelta has the possibility to decide how much, when and where investing the payments for the portions, choosing among management lines more oriented to the security market or to share market. He can also choose if and when requiring the reimbursement of the invested capital and finally can make the accumulated capital being liquidated by a sole amount or by a life annuity. Well then, with the SAI Libera Scelta “the freedom” in investing enriches: greater security, fiscal advantages and in some cases also the warranty of a return. Indeed, notwithstanding it concerns a policy related to the Unit trusts, who subscribes “SAI LIBERA SCELTA” provides a remedy for eventual surprises related to the volatility of the exchange markets for one's own investments. Indeed, in case of death of the ensured person during the investment plan, agreed at subscription, not only the heirs do not lose the invested assets but independently from the value of the portion in that moment, they receive it revaluated at the minimum rate of the 3% yearly. And for who has chosen the security line, SAI acknowledges a “Loyalty premium “. In fact who decides to monetize the investment, after the end of the payments plan agreed when subscribing, is sure to cash, at less the invested assets during the plane itself without penalizations and protected from the fluctuation of the portions.

By these time of bearish stock exchange is it still convenient to invest in the Unit Linked, the life insurance policy suis generis, linked to the unit trusts? The medium saver, afraid by the earlier shake-ups of Piazza Affari, maybe is convinced it is not; notwithstanding many operators are sure that the bear is to beat a retreat and, even if it won't come again the roaring times of some months ago, it's probable that the financial markets get back as soon as possible to acceptable levels. This is a further reason so to entrusts the experts of the insurance companies, that by differentiating investments among different kind unit trusts warrant returns and a certain steadiness. In 1999, after two years of settling-in period, the Unit Linked must consolidate definitively, convincing also the Italian savers, till now a little cautious in facing a kind of investments that in other countries - for example Great Britain - is very successful since already many years. Risen as an escamotage together with the Index Linked to get the insurance brokers closer to the stock exchange markets (formerly reserved only to the financial operators), the Unit Linked really are assets management, but related to the structure of the life insurance contract and so they can be subscribed by the means of the widespread net of insurance brokers. With respect to the traditional life policy the advantages is to obtain the diversification of the investment since a more or less consistence part of the premium is invested in one or more unit trusts featured differently (mix, security and shares), chosen by the client according to his preferences. Related to the growth of the funds it increases the income of the policy even if it is not to forget that in case of enduring negative trends of the stock exchange the profitability can decrease till to affect capital. Respect to other investment possibilities, advantages are very clear. First there's the possiblity to get greater incomes than the traditional life insurance policies. Second place the Unit Linked is not to sum up to the inheritance taxes: well then, on this kind of assets management the inheritance tax is not to be paid, what is desirable in case of transmission by descent of great cash assets from father to son or among relatives. Furthermore the Unit Linked is not distrainable and is pawnable in the case to cope with a debt. Premiums can be unique or recurrent and the investment profile depends on the requirements of the client, who can choose if investing on more 'easy' unit trust or entrust a more aggressive management. How to say it: it matters money but also tastes.

Ufficio Stampa SAI

 

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